I do not understand the difference between “Medigap” and “Medicare Advantage” plans. I just want to keep my own doctor and not pay much.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 16, 2021

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Do you know the difference between a PPO and an HMO? Although not exactly the same, you can think in terms of a Medigap plan being a PPO type of plan while the Medicare Advantage plan looks more like an HMO. If your doctors, labs, and hospital are in a Medicare Advantage network, you might consider this choice as a very low out-of-pocket option. Medicare Advantage plans can include prescription drugs, but if not, you can buy a separate drug Part D plan. You never have BOTH a Medicare Advantage plan and a Medigap plan, and if you have the Advantage plan you give up Original Medicare. Your coverage is established by your insurance carrier under the CMMS guidelines.

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